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Martin County

Driving in Martin County

It is estimated that 4,654 private and commercial vehicles call the roads of Martin County their home — this number represents approximately 0.02% of all the automobiles registered in Texas.

About 83% of adult drivers in Martin County are alone in their cars when they commute to work, and less than half of these residents take more than 30 minutes to complete each trip.

With 20% of Texas vehicles uninsured, nearly 1,000 vehicles in Martin County are possibly uninsured or underinsured.

Auto Insurance Analysis:

  1. Well over 4 thousand vehicles registered in Martin County need at least Auto Liability insurance coverage as required by Texas law. Comprehensive Coverage, Non-Owner Coverage, and Farm or Ranch Auto are a few of the additional options that car owners can choose from, depending on what vehicles they own and how they utilize them.

  2. A sizable portion of Martin County is rural, and roads in rural areas have less traffic and less potential for vehicular collision. However, rural areas are more prone to Animal-Vehicle Collisions (AVCs). The majority of crashes into animals in Texas peak twice a day: 5-8 AM, and predominantly 6 PM to midnight. The highest potential of a collision with a deer is in November. Due to this, Martin county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal. Take note that Liability Coverage does not cover this type of incident.

  3. Approximately 20% of the vehicles in Texas do not have auto insurance, and this makes Uninsured Driver Coverage all the more important. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.

To get auto insurance advice in Martin County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Martin County Housing

The approximately 1,939 homes in Martin County are mostly occupied by the families or individuals that own them. Around 74% of the properties are owner-occupied, while 26% of the homes are listed for rent. The rate in Texas for homes being inhabited by their owners is 62%.

Among the adjacent counties, Gaines County has the highest owner-occupied rate at 77%. Howard County has the lowest figure at 65%, followed by Glasscock County, with nearly 66% of homes inhabited by the owners.

Approximately 17% of homes in Martin County experience various housing problems like overcrowding, substandard plumbing, or kitchen-related issues. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Nearly 2 thousand homes in Martin County need insurance coverage. All owners of these properties should have at least Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes) to protect the properties from damage or even total loss.

  2. Landlords in Martin County purchase Landlord Insurance, which covers the property and any possible liability claims from the tenants.

  3. Tenants take out Renters Insurance, which is usually quite affordable and can protect the tenants’ belongings from damage or loss. The policy covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Martin County require Renters Insurance as part of the lease conditions.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for advice and consultation about Homeowners, Renters, Flood, Condo, and other kinds of home insurance in Martin County.

A Texas P&C Insurance Agent:

  • analyzes what you need and what your restrictions are,
  • researches the right plans that will address your needs,
  • provides you with the available options of coverage,
  • highlights the differences in the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance (The agent’s service is usually paid by the insurer)

Martin County Health

Approximately 20% of the residents in Martin County (below 65) do not have proper health insurance coverage — this figure is not too far from the state average of 21%. In the region, Midland County has the lowest uninsured adult rate at 18%, while Gaines County has the highest number at 36%. Statewide, this is also the highest figure, while Loving County has the lowest uninsured adult rate in Texas at 11%.

In Martin County, about 18% of the adult population smoke, and 19% of the residents consume alcohol excessively. These are possibly some of the contributing factors to why 23% of the population report problems with their health.

Aside from these factors, 18% of Martin County residents do not exercise daily, further contributing to a 31% obesity rate (with a BMI of at least 30) — at par with Texas’ obesity rate. Among the neighbors, Howard County has the highest figure at 36%, while Glasscock County has the lowest at 26%.

At least 2 health insurers in Martin County offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Over 1 thousand Martin County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.

  2. Texas residents can purchase multiple types of health insurance and supplemental products. This makes the shopping process for the best coverage that fits their specific needs (both medically and financially) much easier. Texans can get coverage through Group or Individual Marketplace ACA Health Insurance, various types of Short-Term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Low-income residents may not be able to afford health insurance due to the high costs. Such individuals are generally advised to apply for government subsidies to be able to take out a policy without having to worry about spending a lot.

  4. Short-Term Insurance is another way to save money if you do not have any pre-existing conditions. (If you have had your policy for a year or more, pre-existing conditions may be covered by some Texas multi-year short-term health insurance.)

Discuss your health insurance needs with a state-licensed Texas health insurance professional to go over your best health insurance options in Martin County.

A Texas health insurance agent: analyzes your needs and restrictions, researches the locally available plans that fit your needs, provides you with the available options of coverage, and explains how the differences between the options affect you once you start using each insurance product. The agent assists you with the application process, and at any time you need to make a change to the policy or shop for replacement coverage.

Martin County Mortality and the End of Life Statistics

Martin County residents have a life expectancy of 73.5 years, which is shorter than the state average of 79.2 years old and the highest in its immediate region. Among the neighbors, Gaines County has the longest life expectancy at 79 years.

Statewide, Presidio County has the highest average at 89 years, and Donley County has the lowest life expectancy rate at 73 years old.

In 2022, there were less than 1,000 seniors (65 and older) living in Martin County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not own any kind of life insurance coverage.

  2. As the insured’s age goes up, their life insurance premium rate does so as well. Hence, young adults are encouraged to take out a policy while they are still young and healthy.

  3. Roughly 18% of adults in Martin County smoke, which increases their life insurance premiums by up to 4 times. A smoker is predicted to pass away at a younger age than a non-smoker, which makes them a more expensive risk to insure.

  4. Permanent Life Insurance also has a cash value component, which allows the insured to use the benefits of the policy while still alive: to borrow against, for emergency and terminal illness expenses, or as a tax-free retirement income.

Motor Vehicle Fatalities in Martin County

In 2020, the Texas Department of Transportation (TxDoT) reported 214 crashes in Martin County, leading to 6 fatalities. Around 15% of the fatal car crashes in Martin County involved alcohol.

Final Expenses – Martin County Funeral Home Cost

A traditional funeral in Martin County costs around $6,500, which is not too far from the state average of $6,200. Looking at the neighbors, Midland County has the most expensive average at $6,800, while Andrews County tends to have the most affordable funeral cost average at $3,300.

Across the entire state of Texas, Polk County has the highest average funeral cost at $10,900, while Kenedy and Willacy Counties have the most affordable average, both at around $3,200.

Life Insurance Analysis:

  1. With 46% of Americans passing away with less than $10,000 in assets, Martin County senior residents could be placing an unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased frequently leave behind unsettled debts and taxes, placing more financial stress on the family left behind.

  3. Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.

  4. There are different kinds of insurance policies that can help the bereaved family through financial assistance. Such life insurance policies can be Term Life Insurance and variations of Permanent Life Insurance: Whole, Indexed Universal Life, and others.

To get advice regarding life insurance in Martin County and help lighten the load for your family - reach out to a knowledgeable Texas-licensed insurance professional with access to multiple insurers. An experienced life insurance agent can help you evaluate your needs and then offer you multiple solutions to fill them.